Members of a Professional Group Get Better Car Insurance Rates

Business/professional group discounts can save you 3-5% on your annual rates. Companies like AAA, Geico, Nationwide, and more offer a membership discount.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: May 4, 2022

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Here's what you need to know...

Did you know that belonging to a professional group can give you the opportunity to get cheaper car insurance rates? Some car insurance companies offer you an automatic discount if you belong to a certain group, although the discount amounts are usually minimal.

In addition, it is important to remember that there are many other factors that determine your car insurance rates.

Are you trying to find out where you can locate car insurance rates? Just enter your ZIP code above to get car insurance quotes close to your home!

Professional groups such as the AARP and AAA offer drivers a discount on car insurance rates. Many times it is more financially prudent to shop for car insurance through your professional group rather than with an insurance agent.

It is best to talk to many insurance companies and agents before making a decision on car insurance.

What insurance companies offer business/professional membership discounts?

We know that when it comes to saving money, every little bit counts. Belonging to a business or professional organization can save you 3-5 percent each year on your rates. Check out this list of car insurance companies that offer a discount for belonging to a professional organization.

  • AAA
  • Ameriprise
  • Esurance
  • Geico
  • Liberty Mutual
  • MetLife
  • Nationwide
  • Safeco
  • The Hanover
  • The Hartford
  • Travelers

Be sure to check with your insurance company today to see if you qualify for a membership discount.

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Are there any other ways I can save money on my car insurance rates?

Yes, in fact, there are many other ways to keep your rates down even if you do not belong to a professional group.

There are many different discounts that are available to you through your car insurance company.

  • If you have a clean driving record and have not been in any accidents or received any moving violations in at least three years, you may qualify for a good driver discount.
  • If you insure more than one car or have multiple policies with the same insurance company, such as insurance on your home and insurance for your cars, you can receive a multi-policy or multi-line discount.
  • Young drivers can receive a discount on their parents’ policy simply by maintaining a clean driving record and good grades, such as a “B” average or better. This good student discount can save up to 10% on premiums.

You should always ask your independent insurance agent or your current car insurance company what the available discounts are to see if you qualify for one or more of them.

How can I lower my car insurance rates?

Even if you have maximized all the available discounts on your car insurance, there are still other ways to save money on the cost of your premium.

If your car is not worth a lot of money, it may be smart to not carry comprehensive and collision coverage. These coverages protect you by paying for damages to your car as the result of an accident, but also carry deductibles.

Your car may be worth less than your deductible, so it may make more financial sense to not carry the coverage and just pay for the damage yourself.

The type of vehicle you drive will also dictate what your car insurance rates are. For example, cars with safety features can help save money:

In fact, many new cars are actually cheaper to insure than older models simply because of all the safety features that are now available.

The safer the car, the better protected the driver. Therefore, it is less of a risk to insure you and your vehicle, and your insurance company should pass those savings on to you.

Is it possible to save money while keeping all my coverage?

Yes, if you just change your deductible. If you want to lower your car insurance rates, but still want to maintain complete coverage for your vehicle, consider raising your deductible to $1,000.

Although this will be a higher out-of-pocket expense if you get into an accident, it will also lower your car insurance premium.

If you are consistently a good driver and haven’t had a claim in many years, this might be a good way to save money.

Defensive driving courses are also available. Some are even offered online and give you the opportunity to save money on your premium (as much at 10%) while also removing violation points from your driving record.

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Is my insurance rates affected by either a high or low credit score?

Yes, insurance companies will look at your credit score when deciding whether or not you are eligible for car insurance.

This is because if you have a low credit score, you might have difficulty making your payments on time, or you may have other financial problems. This means you are a risk to the insurance company.

If you have a higher credit score, you are considered more trustworthy and will most likely get a better deal on your car insurance rates.

Do you belong to a professional group and are looking for car insurance rates? Enter your ZIP code below to get car insurance quotes today!

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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